Snapshot
“How did the practice do?”
We read: your accounts and commission statements.
You get: income by provider and type, recurring against once-off, costs and cash, and three things to act on.
From R750 a month
For advisory practices
What is the next stage for your practice?
A bigger recurring income base. More from the clients you already have. A practice that runs without you in every decision. A book worth more when you decide to do something with it. Whatever yours looks like, the answers to getting there are already inside your practice.
Every practice runs on three engines
Demand: getting clients through the door.
New business, referrals, introducers, and the clients already on your book who should hold more with you.
Delivery: doing the work.
The advice process from first meeting to policy in force. Needs analysis, onboarding, provider submissions, servicing, renewals, and the admin underneath all of it.
Direction: steering the practice.
Knowing which clients, which advice and which advisers are building real value, and using it to decide where effort goes.
Why Stage 3 is a ceiling
When a practice wants to grow, the instinct is more leads. At Stage 3 that rarely pays the way it should, because the ceiling usually isn't Demand. It's what happens after the client signs. The ceiling shows up as strain before it shows up as a flat line:
- Every client question and every decision still comes back to you
- Service depends on which adviser or administrator handled the file
- Revenue grows faster than recurring income
- The book is in pieces: provider portals, Astute, the CRM, commission statements and people's heads
- Renewals arrive as a list, not a plan
- You've known for years which clients should hold more with you, and it hasn't happened yet
The cheapest growth you have is already on your books.
No acquisition cost. No lead spend. No new relationship to build. But only a practice that can see its whole book, and service what it sells, can reach it.
What we look at
Delivery: the servicing engine
- The advice process. Where work stalls between first meeting and policy in force.
- Renewals and persistency. Renewals as a plan, and policies flagged while they're drifting, not after they've lapsed.
- Commission integrity. Provider statements reconciled against what should have been paid.
- Compliance readiness. FAIS records, POPIA obligations, COFI expectations, as a by-product of organised data.
Direction: seeing the whole book
- Book composition. What every client holds, across every provider, in one view.
- Client profitability. What each client costs to serve against what they bring in.
- Adviser contribution. Which advisers build recurring income, and what actually converts.
- Recurring income and practice value. The number that most decides what your practice is worth.
Demand: growth the practice can absorb
- Cross-sell. Clients holding one product where they should hold three, ranked by what the opportunity is worth.
- Referral and introducer sources. Which sources bring the clients worth having.
- New business conversion. What converts, at what value, for which advisers.
No practice needs all of this. The First Look and the Map decide which few are worth the effort in yours.
Standing still isn't standing still
COFI is coming.
Governance and record-keeping expectations are rising, and practices whose data is already in order will cope best.
Margins are under pressure.
Commission structures keep tightening while the cost to serve keeps climbing.
Consolidation is real.
Larger groups are buying books, and they pay for recurring income and clean data, not turnover.
You don't feel any of this in year one. You feel it in year three.
We know this world from both sides
Four years inside product houses. We know how providers think, how commission actually works, what the data looks like on the other side of the portal, and why adviser numbers so often don't reconcile.
Example · Horizon + projects
Ashgrove Group: an advisory practice with ten advisers, paid commission by twelve insurers. A month that looked R60,000 down was mostly late statements, chased in one month, not written off. Every clawback now has a register with days left to dispute, and every renewal comes with a cross-sell conversation.
Illustrative example based on real work: names, details and figures changed.
How we start
Don't commit to any of this yet.
We'd suggest one small piece of work first: a First Look.
You send us your practice's accounts and a year of commission statements. We work through them: where the practice's income comes from, by provider and by type, how much of it is recurring, where the costs sit, and how it has all moved over time. Nothing new for your team to capture, and everything you share stays confidential.
Then we come back with two things:
Deliverable 01
A read on your numbers.
Where the money is genuinely being made and where it's leaking, with at least one finding that has a rand value on it, and the three things worth acting on first.
Deliverable 02
Your next step.
One recommendation, never a package. Usually a Snapshot, so you can watch the practice move. If we find nothing worth acting on, we'll tell you that too.
- R3,500
- Once-off. R2,000 for BNI members and practices introduced by a partner.
- About two weeks
- From the day your statements arrive.
- A 60-minute readout
- Online or at your offices, in plain language.
So at the end of it, you're not deciding on a feeling. You're deciding on numbers you've read.
Plainly: The work is yours either way. If we don't think it will be worth it for you, we'll tell you early, not after. Everything we see is under NDA, and your data is never pooled or compared with another practice's.
How it grows from there
One step at a time, so there's never a large leap to make. You move up only when the next question is worth answering.
Insight
“Where does the practice actually make money?”
We add: your practice management system or CRM.
You get: income and cost to serve by client, adviser and product line, and a monthly meeting.
From R3,500 a month
Live
“What's happening in the book right now?”
We add: provider and insurer book files, up to three sources in all.
You get: renewals, retention and the cross-sell list as they move, a 13-week cash forecast, and time with us before big decisions.
From R7,500 a month
Horizon
“Where is the practice going?”
We read: all your key systems.
You get: a view for every adviser, budgets and forecasts, recurring income and practice value tracked, and packs for a bank, a buyer or your succession plan.
From R12,000 a month
Snapshot and Insight are built on closed books. Live and Horizon are as live as your systems allow. Moving up has a once-off setup fee, quoted with the new monthly fee.
Acting on what we find
The numbers will point at what holds the practice back, and at opportunities on the book it isn't using yet. When you want to act, we plan it, quote it and build it with you.
The plan
The Map
We look at the whole practice across Demand, Delivery and Direction, find every ceiling and every unused opportunity, and show you what each is worth and the order to act in.
From R7,500, depending on the size of your practice. Counts toward your first project.
The work
Projects
Whatever the Map calls for: one trusted view of the book, commission reconciled at source, a renewal and cross-sell engine, one path for every new client.
Each one quoted before we start.
The extras
Extra work
Anything outside your level, like a one-off review of a book you're thinking of buying, is quoted and agreed before we start.
No surprise invoices.
Three ways to pay for a project
Pay once.
One invoice. The lowest total cost.
Spread it.
A 30% deposit, then the rest inside your monthly fee. Then it drops back, and it's yours.
Include it.
A 30% deposit, then a small permanent increase for upgrades and support. Buy it out any time.
Four promises, said plainly
Fully confidential.
Everything we see is covered by our agreement. Your data is never pooled, compared or combined with another practice's, and nothing you share is discussed with anyone else, inside BNI or out.
One fixed monthly fee.
Anything extra is quoted and agreed first. No VAT is added: Konzult Analytics is not VAT registered.
What you pay counts forward.
Your First Look becomes your first report, and the Map counts toward your first project.
Step down any time.
With a month's notice, move to a lighter level. Anything you're paying off carries on, and nothing we built gets switched off.
If it won't be worth it for you, we'll tell you.
During the First Look or the Map, not after. We'd rather say so than carry a retainer we haven't earned.
We look at the practice as a business.
We don't advise your clients on financial products. That advice, and your FAIS obligations, stay with you.
Let's find out what your next stage looks like.
A conversation, at your offices. No preparation needed on your side.